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Term policy compared with group coverage

Written by Simplified Life Insurance Agency

Employer group coverage is easy to enroll in and often subsidized, which makes it a helpful foundation. The tradeoff is that benefit amounts are usually limited and the plan may not follow you when you change jobs. A personal term policy can fill the gap and give you consistent protection that moves with you.

A term policy lets you choose a coverage amount and a time frame that aligns with real needs such as a mortgage or college savings goals. You can keep the policy when you move or switch careers. We help you compare the combined approach so your household has a durable plan that fits your budget.

How to compare in a simple way

Many families keep group coverage for convenience and add a personal term policy for control over benefit size and duration.

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